Retirement Consultant in Lemay, MO

Retirement Consultant Lemay, MO. Whether you have your heart set on filling your golden years with vacations to Paris, cruising around the hills in a classic sports car, smoking cigars on the front porch, or leaving the biggest possible inheritance behind for your grandkids as possible, you need a devoted and experienced retirement consultant to help you achieve your objectives. Regardless of where you are in life now, the Lemay, MO retirement planning advisors at Correct Capital will construct a personalized roadmap for you to get you from here to where you want to go. Call us today at 314-930-401K or fill out our online contact form.

Your personal retirement goals will determine what you require from a retirement consultant. When you hire a retirement consultant at Correct Capital, we will start by getting to know who you are in order to recognize how we can help you achieve your dreams. As a Registered Investment Advisor, Correct Capital has retirement advisors that have access to a plethora of research and data, and knowledge of the best strategies to utilize in the interest of growing your wealth. We are independently owned and will never try to sell you on something we don’t believe in ourselves. As fiduciary financial advisors, trust is at the center of our relationships with all our Lemay, MO clients, and we want you to have peace of mind that we have your best interest at heart.

How to Choose the Right Retirement Consultant for You

You likely have a lot of questions about your retirement and retirement planning, and principal among them is how to choose a Lemay, MO retirement consultant you can trust. There are a lot of of important elements to think about when hiring a retirement consultant.


What Qualifications Does a Retirement Consultant Have?

Anybody can use pretend titles like “retirement specialists,” and some certifications are given through short study and easy exams, or have more to do with marketing than financial planning. Correct Capital is an experienced and honest team that includes a Certified Financial Planner (CFP®) and a Certified Retirement Counselor (CRC®), certifications that could only be acquired through years of experience, extra education requirements, determined study, and passing comprehensive exams. You can believe that your Correct Capital retirement consultant has the experience and knowledge to effectively manage your retirement planning.


Is the Retirement Consultant a Fiduciary?

Investment professionals are bound by one of two sets of standards:

  1. Suitability Standard: This standard is overseen by the Financial Industry Regulatory Authority (FINRA), and vaguely states that an investment professional must pick planning and investment options that are “suitable” for their clients, but not necessarily the client’s best option. Therefore, a broker that follows the suitability standard feels no legal duty to follow your best interests instead of their own, and they also have to listen to the broker-dealers they work for. This could mean they make decisions with your money based on the commission they might get, or are selling products that aren’t necessarily in your best interest.
  2. Fiduciary Standard: This standard is regulated by the Securities and Exchange Commission, and any retirement consultant at Correct Capital is legally bound to it. We are obligated to put your best interests first, manage your account with the acuity and good judgement of a professional, strive to avoid conflicts of interest, disclose unavoidable conflicts, and manage them in the way that’s best for your and your money.

At Correct Capital, we build personal relationships with our Lemay, MO clients that are built on trust. We get to know you and your financial planning and retirement planning needs, and every piece of guidance we give you or decision we make concerning your wealth is made with the best interest of you and your family at heart.

Who Does the Retirement Consultant Work For?

A lot of Lemay, MO financial advisors and retirement consultants are employed by brokerages, banks, or other financial institutions, and therefore may not have a wide range of investing options they are able to provide you with, or may push products or mutual funds that are not actually in your best interest. Your Correct Capital retirement consultant works for you and will act as your advocate. We give you our I.O.U. promise: we are independent, objective, and offer unbiased advice. We are not connected with any one financial institution, and thusly will analyze a multitude of investment options to find the ones that fit best with you and your needs. Our advice is grounded in knowledge, experience, in-depth data and analytics, and how we can best serve our Lemay, MO clients.


Aspects of Retirement Planning Your Retirement Consultant Will Help You Consider

Even experienced investors and financially sharp Lemay, MO residents can find it complicated to balance all of their options regarding their retirement planning. A trustworthy and savvy retirement consultant can help you best judge how to manage your savings and retirement funds. Among the elements of retirement planning Correct Capital can help with are:

  • Tax Implications. How much you pay in taxes and when you pay them depends on which kind of account, 401(k), or IRA you saved your money in.
  • What Age to Retire. The Social Security Agency stipulates your “full” or “normal” retirement age (FRA) based on your birth year. The social security benefits you receive will vary if you retire before or after your FRA. As our retirement consultants at Correct Capital come to understand who you are and what you need, they will develop a retirement plan for you that includes the ideal age for you to leave the workforce.
  • When to Withdraw Money, and How Much to Withdraw. Depending on where your money is being saved and invested, the ideal timing and amount of your withdrawals will differ. Different types of accounts have different regulations, such as minimum withdrawals after a certain age.
  • Calculate a Retirement Budget. The way you want to live your life, together with how much you were able to save and your age, will decide your retirement budget. A knowledgeable Lemay, MO retirement consultant can help you increase the amount of funds you have for your budget.
  • Your Current Risk Tolerance. You may have a higher tolerance for, or aversion to risk, based on how close you are to your retirement age.

At Correct Capital, our Lemay, MO retirement planning consultants look at the complete picture of your finances so each aspect of your retirement planning is paid attention to and optimized.

Take a look at the links below to see what other financial services we offer:


Contact a Lemay, MO Retirement Consultant Today | Correct Capital

Whether you’re nearing retirement, or just want to plan as far ahead as possible, your Lemay, MO Correct Capital retirement consultant will help you feel confident and at ease about you and your family’s future. Our retirement plan specialists have over three decades of experience helping Lemay, MO residents and families live the life they dreamed of in their golden years. As fiduciary financial advisors, we are legally and ethically obligated to always act in your best interest. To discover more about how we can help you meet your financial goals, call us at 314-930-401K or contact us online.


Are you ready to experience the Correct Capital difference?

GET STARTED

Meet our team of financial advisors.

Our Team

Services We Offer